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🇸🇬 Singapore · SGD · STI 8%/yr

SIP Calculator Singapore

Free SIP return calculator — compute maturity, plan goals & explore top mutual funds.

Maturity
S$174.2K
Returns
S$84.2K
Gain
+93.5%
STI
8%
FD Rate
3.5%
Inflation
2.5%
Your Rate
8%
Duration
15yr
Monthly
S$500
SIP Details
Monthly InvestmentS$500
Annual Return %8%
Investment Period15 yrs
⚡ Inflation Adjusted
See purchasing power in today's money
🆚 Compare vs Lump Sum
Side-by-side SIP vs one-time
📊 Singapore Benchmarks
STI~8%/yr
FD / Savings3.5%/yr
Avg Inflation2.5%/yr
Real Return~5.5%/yr
🌍 SIP By Country
Maturity Value
S$174.2K
S$174,173
Est. Returns
S$84.2K
+93.5% gain
Total Invested
S$90.0K
15yr total
📊 Investment Breakdown
GAIN94%
Invested
S$90.0K51.7%
Returns
S$84.2K48.3%
Total Maturity
S$174.2K
📈 Wealth Growth Over Time
Total
Invested
087K2LYr 1Yr 4Yr 7Yr 10Yr 13Yr 15
📋 Year-by-Year Breakdown
YearInvestedReturnsTotalGain %
Yr 1S$6.0KS$266S$6.3K+4.4%
Yr 2S$12.0KS$1.1KS$13.1K+8.8%
Yr 3S$18.0KS$2.4KS$20.4K+13.3%
Yr 4S$24.0KS$4.4KS$28.4K+18.2%
Yr 5S$30.0KS$7.0KS$37.0K+23.3%
Yr 6S$36.0KS$10.3KS$46.3K+28.7%
Yr 7S$42.0KS$14.4KS$56.4K+34.4%
Yr 8S$48.0KS$19.4KS$67.4K+40.4%
Yr 9S$54.0KS$25.2KS$79.2K+46.7%
Yr 10S$60.0KS$32.1KS$92.1K+53.5%
Yr 11S$66.0KS$40.0KS$106.0K+60.6%
Yr 12S$72.0KS$49.1KS$121.1K+68.1%
Yr 13S$78.0KS$59.4KS$137.4K+76.1%
Yr 14S$84.0KS$71.0KS$155.0K+84.6%
Yr 15S$90.0KS$84.2KS$174.2K+93.5%

Frequently Asked Questions

What is a SIP Calculator?

Computes how a fixed monthly investment grows via compound interest: FV = P × ((1+r)^n − 1)/r × (1+r). Enter amount, rate, and years — get instant maturity value.

How much does S$500/mo SIP give in 15 years?

At 8% annual return — S$174.2K maturity on S$90.0K invested. That's 94% gain from compounding.

SIP vs Lump Sum — which is better?

SIP averages entry cost (rupee-cost averaging). Lump sum outperforms in consistently rising markets. Toggle Compare to see both simultaneously.

What does Goal Planner mode do?

Reverse-calculates the exact monthly SIP needed to reach your target amount in given years. Perfect for retirement, house down-payment, or education planning.

What is inflation-adjusted return?

At 2.5% inflation, your money loses purchasing power. Toggle Real Value to see what your corpus is worth in today's money, not just nominally.

Which mutual funds are best for SIP?

Index funds for low-risk, large-cap for moderate, mid/small-cap for higher long-term growth. See the ranked fund table above filtered by your preferred category.